With a traditional IRA, income earners younger than age 70½ and their spouses can contribute to the account. Depending on their income levels, traditional IRAs offer tax deductions for all or part of their contributions.
If clients do not have access to an employer-sponsored retirement plan, they can contribute up to the annual limits, as long as the earned income is not exceeded. If they have access to an employer-sponsored retirement plan, IRA contributions may still be tax deductible, depending on the filing status and modified adjusted gross income.
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IRA Assets and RolloversEducation and tools to help you assist clients with IRA rollovers. -
Net Unrealized Appreciation in a NutshellHow using Net Unrealized Appreciation can help manage taxes for retired clients who own employer securities in an employer-sponsored qualified plan. -
Qualified Longevity Annuity ContractsEducation and sales tools for Qualified Longevity Annuity Contracts (QLACs) that help clients create pension-like income and better manage taxes by delaying RMDs from a portion of retirement assets. -
Required Minimum DistributionsEducation and sales tools to help manage RMDs (Required Minimum Distributions) for clients who own traditional IRAs, SIMPLE IRAs, and SEP-IRAs, or who participate in a qualified plan.
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SECURE Act Frequently Asked QuestionsA guide with answers to questions about key provisions of the SECURE Act. VLP1619-0123WDownload Email
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Required Minimum DistributionsSeminar flyer about qualified charitable distribution as a tax-management strategy for required minimum distribution. VLC1412-0920WDownload Email
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Understanding Rollover OptionsIf clients are changing jobs, or scheduled to retire soon, help them understand the rollover options for their retirement assets under soon to be previous employer plan. VLC0442-0922Download Email
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Understanding IRAsThis educational brochure provides general knowledge about IRAs for clients' financial planning. VLC0015-0823Download Email
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2023 Retirement Plan and Social Security Limits OverviewUse this quick-reference sheet to keep you and clients informed of changes to retirement plan and an Social Security Limits overview. VLC0889-0123Download Email
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2023 Federal Tax Amounts and LimitsUse this quick-reference sheet to keep you and clients informed of changes to federal tax amounts and limits. VLC0888-0123Download Email
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Pacific Secure Income PresentationTalk with your clients about how Pacific Secure Income can help build a reliable source of guaranteed retirement income, and learn about the features of Pacific Secure Income, Pacific Life's deferred income annuity (DIA) FAC0566-1121PDownload Email
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Understanding Qualified Longevity Annuity Contracts (QLACs) PresentationFAC0571-0322PDownload Email
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CalculatorsRun product illustrations online or use our online calculators to assist in tax planning, retirement planning, distribution planning, and investment fee comparisons.
Want to Talk Further on this Topic?
The Retirement Strategies Group, subject-matter specialists with advanced degrees and designations such as CFA®, CFP®, ChFC®, CLU®, and JD, are ready to help.
Call
(800) 722-2333
In New York, (800) 748-6907
Email
RSG@PacificLife.com
Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.
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Unless otherwise noted, all aforementioned money managers, their distributors, and affiliates are unaffiliated with Pacific Life and Pacific Select Distributors, LLC.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued by Pacific Life & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company.
The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.
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